United Bancorp, Inc. (Ohio) (UBCP) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

Eagle Bancorp Montana, Inc.

SB Financial Group, Inc.

Rhinebeck Bancorp, Inc.

Village Bank & Trust Financial Corp.

Sound Financial Bancorp, Inc.

Investar Holding Corp.

Citizens Community Bancorp, Inc. (Wisconsin)

United Bancorp, Inc. (Ohio)

Union Bankshares, Inc. (Vermont)

Auburn National Bancorporation, Inc.

Why is United Bancorp, Inc. (Ohio) ?

Weak Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Flat results in Jun 25

CASH AND EQV(HY) Lowest at USD 15.77 MM

With ROA of 0.59%, it has a very attractive valuation with a 1.36 Price to Book Value

Over the past year, while the stock has generated a return of 12.94%, its profits have fallen by -19.8%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is United Bancorp, Inc. (Ohio) for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

United Bancorp, Inc. (Ohio)

7.37%

0.66

34.60%

S&P 500

13.99%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.28%

EBIT Growth (5y)

-0.31%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

55.30%

Pledged Shares

Institutional Holding

12.88%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.36

EV to EBIT

31.09

EV to EBITDA

25.50

EV to Capital Employed

1.14

EV to Sales

4.49

PEG Ratio

Dividend Yield

3.81%

ROCE (Latest)

3.66%

ROE (Latest)

11.52%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 10.34 MM

PRE-TAX PROFIT(Q)

Highest at USD 1.94 MM

NII(Q)

Highest at USD 6.59 MM

NET SALES(Q)

Highest at USD 10.41 MM

OPERATING PROFIT(Q)

Highest at USD 1.94 MM

OPERATING PROFIT MARGIN(Q)

Highest at 18.6 %

NET PROFIT(Q)

Highest at USD 1.83 MM

EPS(Q)

Highest at USD 0.33

-1What is not working for the Company

CASH AND EQV(HY)

Lowest at USD 15.77 MM

Here's what is working for United Bancorp, Inc. (Ohio)

Pre-Tax Profit

Highest at USD 1.94 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

NII

Highest at USD 6.59 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Cash Flow

Highest at USD 10.34 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 10.41 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 1.94 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 18.6 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Net Profit

Highest at USD 1.83 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.33

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for United Bancorp, Inc. (Ohio)

Cash and Eqv

Lowest at USD 15.77 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents